Credit Battle Shows Legislation Shortfall

Kathy Kristof’s recounting of Judy Thomas’ six-year battle with Trans Union missed the deeper meaning of the story for the average consumer [“Woman Blazed a Paper Trail to Clear Her Credit,” Aug. 4].

Thomas’ victory is praiseworthy, but what about the other Americans whose financial and personal lives have been seriously damaged by mistaken credit reports, yet cannot devote years of their lives to litigation?

The Fair Credit Reporting Act is not sufficient protection for the public. Clearly, Trans Union and similar companies ought to be regulated by a federal agency (just as banks and lending agencies are), so when they screw up taxpayer-funded resources are available to bring them into line.

Bonnie Sloane

Westchester